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OCR: Setting Budget be realistic; most things cost more than you think; don't end up ir arrears or over Limits look at the total borrowing cost, not just interest rate but arrangement fees, payment protection insurance and so on think about reducing payments by spreading them over longer term be aware that some financing is only suitable for large sums most home improvement Loans are for a minimum of 500- -1000 the minimum secured loan amount is around 3000 adding to your mortgage may only be worthwhile the loan is of 5000 or more www.alliance -leicester.co.uk Alliance click here for Leicester more information